Flood Insurance Protect with Flood Insurance Damage from flooding is generally excluded from other insurance policies, like homeowners. Flood insurance coverage is available through the federal National Flood Insurance Program and private insurers and can be purchased through licensed insurance agents.Floods are America's most common natural disaster, and anyplace it rains is at risk of flooding. In fact, 1 in 4 flood claims are filed in low-to-moderate flood risk areas.Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property & flood risk. Get started on a quote now! Why Choose Heist Insurance Agency? Coastal homeowners have unique needs and coverage options. Since 1965, we have been providing coastal insurance solutions to our homeowner, with competitively priced property insurance and federal and private flood insurance options.We are active in the coastal insurance market across the Mid-Atlantic region in NJ, PA, NY, DE, MD, VA and also in FL. Since the federal flood program was introduced in 1968, we have been involved at the local level in our communities as a stakeholder in preventing floods and educating property owners on hazard mitigation and flood insurance solutions. Contact us to see how we can help! What is a flood? The Federal Emergency Management Agency (FEMA) defines a flood as :"a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow."Flooding can occur from:The overflow of inland or tidal watersThe unusual and rapid accumulation or run off of surface waters from any sourceMudflow Frequently asked questions Why Buy Flood Insurance?Am I required to have flood insurance?What's Covered?Elevation Certificates: Who needs them and why?What determines flood insurance costs?What to do before a flood Visit these pages for more information Flood Insurance for CondominiumsFlood Claim InformationFlood Disaster Preparedness Have a question about flood insurance? Name Email Address Phone Question Thank you! Oops!